Can I apply for a mortgage if I haven’t done my taxes for 2023 yet?

Still using Ally Bank savings account, but the APY had dropped to .60%. Time to move. Any recs on personal savings account? This is my emergency “savings”

Does nagarro deducted tax from first month's salary, as company is saying that we can only show our investment once first salary is credited.

What is a simple way to explain to my boyfriend that investing in equity with an expected return of 10% is better than paying off debt that is growing at a rate of 6%. He has student loans and is adamant that he wants to pay all of them off immediately before saving any retirement money. I understand that many individuals use this strategy but I think investing in index funds for the long haul is better from a wealth accumulation perspective, without even factoring in tax implications of 401k

First time participating in ESPP this last period. I received a heads up email that Morgan Stanley will get in touch to open a broker account, but not heard from MS themselves. Anyone in a similar situation?

1M net worth, 450k total comp, age 35, just paid off tons of student loans TONS, want to retire at 50. What’s the move?

So Becker was supposed to charge me $600 to update for unlimited access since my account was due to expire in March. I called them in December to make payment. Now 8months later...they reach out to me saying they only charged $35. I just checked my bank statement and they are right but i don't have $600 sitting around...What do i do? Thoughts?

Confused as to how I should be buying more ETH. I have a Trezor, but would like to stake it while also having it be as secure as possible. Any advice?

Is anyone investing in liquid funds? How do they benefit and what are their returns?
Recommendations are welcome.

How much do you keep in the bank vs brokerage?

My monthly salary is around $6.4k after-tax. Living in NYC. Do you think it’s reasonable that I pay:
- about $1.5k on rent
- about $500 on utilities and subscriptions
- about $900 on student loan
- about $2k on food and etc.
My saving goals is around $3k so been trying to adjust my monthly spending.

Well my $500 DOGE bet from yesterday is paying off 😂. This feels like people are just desperate for a bull market based on speculation.

How much can we save in Canada Onsite ? Tech lead role. Avg sal in glass door is $80k .

Folks that got a prenup. How and where did you get it? We have spoken to a couple of lawyers and it simply seems to be a back and forth they want to do to rack up billable hours/complicate the issue. My SO and I pretty much know what we want. We are doing it mainly to protect my SOs inheritance. Looking for the simplest way to execute this. TIA for any advice.

Has anyone used EquityZen to invest in secondary markets?

Anyone here invested in any cyber etf? if yes which one is it?

I selected new tax regime in the company 'xyz' portal for April 2021-March 2022. I left this company in jan 2022 and tax of 16k got deducted from F&F settlement.

I have investment in EPF and submitted the rent receipts to the company for tax exception for HRA. But in F&F, based on new regime tax deducted.

During filing ITR for assessment year 2022-2023, can I file by selecting old regime and get this 16k return?

I am working from EU since last year (internal transfer from India), also doing freelancing for an another startup since last 2 years and the payment is going to Indian account.
My employer assigned a tax consulting company in India to support me in filing tax, somehow the tax consulting firm found that bank account via AIS document (not sure how they get it in that doc), as they found some interest credited for that saving account. Will I be in trouble? will I have to pay penalty :(?

Did you watch 60 minutes section about student loan forgiveness? I am in my 8th year of teaching and this news of 9 out of 10 getting declined for approval of the Publc Service loans concerns me. There's no way that I will pay this off before retirement , and now to hear about the confusing rules. What do you think?

Anyone have a carry payout model they can share? Trying to build a few scenarios

I had no income in India and was in US the entire year. Do I need to file IT return with 0 income?

Starting second trimester, has anyone had really bad upper back pain like inbtwn shoulder blades? If so, pregnancy pillow help? Also starting to get pain lower abdomen/stomach. Think it’s everything stretching inside, but didn’t know if something could help!

Happy with appraisals?

I’m job searching right now and applied for a job I was a little overqualified for just to shoot my shot and get my foot in the door with a great brand. The hiring mgr took the time to email me to tell me I was overqualified and offered to help me get connected to his network. He’s been so kind and helpful and I’m kind of in shock at his generosity. Even if an offer doesn’t come from it, is it weird if I send him a Starbucks gift card or something as a thank you? What’s appropriate?

Hi All,

I have basic to good understanding on RPA uipath, I would like to change my domain to become an RPA developer. Please DM me if there are any openings in HCL

Thanks

Why do guys don't ask girls on dates anymore? I know this guy likes me, he already told me friends so but hasn't acted or done anything in respect to us hanging out alone, such as get food

30 M. Indian. Born in India but moved to US when I was less than a year old. Looking to meet someone, iA.

When do we think dating can go back to normal post-pandemic? Are we thinking mid 2021?

Any opinions on Boston Dynamics? Been approached for Strategy role.

I know about their cool robots from Google days but what does industry think about their business/future?

Hi there!!

🥰🥰
I just want to say that I'm queer and married, in a Cis-hetero passing relationship 🤭

Do we have to talk about dating like all the time?

Can't we talk about other stuff? Like promoting THE AGENDA (jk)

No, but FR let's talk about being open and accepted in the workplace? How did you do that? How (un) friendly is the work environment?

Thankyaaaaaaaalll 😘😘😘

What is the target utilization for a Senior 2? Or number of chargeable hours goal? Is this ever hard to meet?

Hey everyone, have people started going back into the office in Toronto or are most companies still slowly transitioning back in?

American airlines is so dumb. Was trying to purchase MCE seats for a long-haul. You can’t
purchase it online after check-in. And they can’t uncheck you over the phone. Good thing I fly Delta!

How was everyone’s week?

Is there anyone from @atlascopco ?

need a referal for the job in marketing communication profile

please comment 🙏

Gut check. On HCP projects, do you find the client or CW suggests what part of ISI per page?

Hi 👋 Any good UX books for senior designer level that helps with strategy, and good frameworks, or anything that will help me with my thought process? I have the basic books like don’t make me think, and 100 things. I’ll be joining a startup soon as chief designer, and will be back to being a full stack designer — I’ve been an IC for the past few years, so I definitely need to improve on strategies and maybe frameworks when it comes to UX. Will appreciate any suggestions. Thanks! 🙏🏻

Anyone ever heard of Credigy?

Recently freed from the consulting game (starting end of next week) with a great severance and new energy around RE. Closed our first REPE fund last year as well as a sizeable personal portfolio in a large midwestern city, all on the side.
If you’re accredited and interested in putting some $ to work in this super low yield environment, ping me! Ramping up the next fund soon.

Hey everyone, curious about pros/cons and profitability of renting out a unit long term vs AirBnB. Let’s say it’s a condo downtown in a big city, how do you figure out what’s the better option?

How do you judge a low ball offer with how the market is changing? Earlier this year, you would look at comps and say this is the value. Now with rates going up and people pulling out, how do you justify the value? (View point from the buyers end)

Best way to start wholesaling real estate?

Having trouble selling my (retired) dad's house. It needs a lot of work, but has great character. What if I buy it myself for a low, low price? Then I would be able to get a FHA 203k loan to do the updates. Rent it out or put it back on the market in the spring.

Who is still in denial about a housing correction? The Fed just made another .75% increase. Powell said they won’t stop until inflation is 2%. He also said a recession would be better than the consequences of unchecked inflation. He announced he will bring rates to a “restrictive level” until “the job is done”. He said that labor demand needs to soften (ie: layoffs). He very explicitly said he wants to slash demand and that housing needs a “correction”.

How big is to big for an initial investment property. Theres a 20 SFH portfolio for sale by me for about a mil. Is this to big to start with initially? I'm less worried about the Financials (feel comfortable on that end) and more worried about the managerial aspect.

For anyone that has bought a townhome from Lennar, are the walls fairly well insulated for sound?

What, if any, were your main complaints?

Went into a multi family property 50/50 with a relative against my gut. Things are going horrible. Need to get out. Best options? Buy him out? He invested maybe 4-5K in time (demolition work) and 2K in cash. I’ve managed the whole thing for 9 months. 10% of gross rents (as a management fee) would be about the same (6-7K)). Bought at low in market just after COVID hit. I want to keep the building. Seems fair to give him his initial investment back + some additional money for market gains. Help!

NJ market - Cousin of mine who has >500 rental properties advised that over next 3 yrs it’s possible for me to get 3 multi-fams if I buy 1 every year for next 3 years, by doing FHA on the first so 3.5% down and then doing less than 10% down on the next 2 if I do it right. Everywhere I read not seeing how that’s possible. can anyone explain pls? Is there a hack that after getting the 1st owner-occupied prop, I don’t have to put more than 10% down on 2nd home, and on 3rd??

Any potential flags/benefits for dual agency? My agent and the seller's agent work for the same company.

For people who recently refinanced, bought or is in the process of buying a new home, what APR did you get?

My assumption is that one makes money in RE with leverage. So, would you never let your equity in any given property get above certain% (I.e re-leverage and invest elsewhere) or would one eventually want to own a property outright?

Question for folks with second homes: Considering buying a vacation home but would be primarily for family use. We currently have a primary residence with a mortgage balance of ~640K, so my understanding is I could only deduct the mortgage interest on 110K of the second mortgage to stay under the 750K cap. If I were to buy the second home through an LLC, would that allow me to exceed that 750K since the expenses of the second home would be pass through expenses/income?

Looking to move out of California, and considering buying a townhome in Atlanta for ~$650k. Any thoughts on the Atlanta real estate market?

I recently bought my 1st home in TX. I want to get into real estate and eventually own/rent out multiple homes. Are there any good recommendations/tips on books/articles/websites that others have used to get started?

I've read about HELOC and cash out refinance to get a 2nd home but articles are so scattered that it gets confusing which is better in terms of tax benefits and immediate costs, etc. Anything others have found helpful that summarized how to get started would be great!

For any of you real estate investors, what tools or sources did you learn from when getting started. Can’t find a mentor currently so want to find some highly recommended books or videos. If focused on the tri-state area (NY, NJ, Long Island mainly) that would be even better. My hope is to buy and rent out a apartment while also owning a house and house hacking that by renting part of it out. Trying to understand all the steps, traps, and how to find if it’s a good investment.

Our appraisal came through exactly as the offer price we put. Apparently by lenders 3rd party. Isnt that a bit fishy? If it came in lower our contract has the option to negotiate a bit with seller. Is lender just trying to push this along faster? I'm pretty sure in this crazy market the home is not valued at what we offered. Why would seller put a much lower asking price then? Make no sense. Please advise!

What's the best city in UK to buy a buy to let property, with best returns?